Rosebud, you seriously need an attorney. A will needs to talk about all your assets, liabilities, which liabilities to pay (secured), which liabilities not to pay (unsecured, cc debt, student loans, etc). Having your wife and daughters as beneficiaries on your life insurance or invest forms is not enough. A DIY or legal zoom will do not cover all, difficult, or complicated situations.
In the example above, what if the caretaker daughter arranges a will removing the abandoning daughter? The caretaker takes everything. They go to war in probate court. The abandoning daughter contests the new will saying you were mentally incompetent or under distress. The daughters go to war, and their children (cousins) are kept from each other. They remain estranged for ten years. Then ten years later, they reconcile. The abandoning daughter explains leaving or flight was her way of grieving.
So your daughters and their children had a bad 10-year relationship that could have been prevented from a will or power of attorney, covering most or all situations, prepared by an attorney.
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